A CRPS disability insurance claim is hard to prove. In this post, board certified disability attorney Marc Whitehead explains the difficulties with these claims, and how we help our clients win their rightful disability benefits.
Complex Regional Pain Syndrome, or CRPS, is a disabling condition that prevents thousands of people from being able to handle everyday activities. The deciding factor in qualifying for benefits is whether or not CRPS affects your ability to work.
CRPS Disability Insurance Claim Viewed as ”Subjective Disorder”
Do you suffer from intense pain that is not getting better, but worse? Did you get hurt only mildly, but continue to experience severe pain that goes beyond what you think you should be feeling? These are just a few of the ways that Complex Regional Pain Syndrome can appear in an individual.
Sadly, because there are no objective tests or criteria that can prove a CRPS diagnosis, this is one of the five conditions listed as “subjective disorders,” and it is incredibly hard to win long term disability insurance claims for this issue. You have to know the disability inside and out, as well as understand what insurance companies require in order to accept your claim and give you the long term disability benefits that you deserve.
Symptoms and Criteria for Complex Regional Pain Syndrome
CRPS is more than just pain that is unexplained. It can include a feeling of burning, increased difficulty in moving affected body parts, changes in growth patterns for hair and nails, stiffness, swelling, and skin oddities such as:
- Skin that is thin and shiny
- Excessive sweating
- Temperature variations where one extremity is warmer than the other
- Discoloration where the skin becomes red, purple, pale, or blotchy
Beyond this, what one person experiences with Complex Regional Pain Syndrome may bear little resemblance to what another person goes through. Symptoms vary widely in length and severity.
For example, while one victim of CRPS may have their hair stop growing entirely, another can have a growth spurt. There are even cases of sufferers injuring one extremity and then having pain in the opposite extremity. And to top it all off, if you start to experience stress due to your condition, the symptoms can get worse.
Without Objective Evidence, What Do You Need to Prove Your CRPS Disability?
With the absence of specific objective criteria, individuals applying for long term disability will need all the medical history on their side that they can produce. That means making sure that your doctor documents everything and understands how to speak the language of the insurance companies when offering his or her diagnosis.
If mistakes are made, you can lose out on your chance to get the long term disability insurance benefits that you need.